有信用卡推荐吗?

[happy_time]

每月花费1500刀以下的用1.5%无年费的
每月花费2000刀以上的用2%年费89的MBNA
1500-200之间的用1.75%年费29的Rogers

1.每月花费1500刀以下的用1.5%无年费的: which Master card? (shopping in COSTCO)
2. 每月花费2000刀以上的用2%年费89的MBNA: not cash back, not good, reward point can be used only in MBNA Rewards Catalogue.
3. 1500-200之间的用1.75%年费29的Rogers: only good for people with Rogers plan.
You can redeem your cash back rewards towards any Rogers product or service provided the Rogers product or service is paid for using your Rogers Platinum Mastercard®. That includes:

• Rogers monthly bills

• • Fido monthly bills
  • Any purchases from a Rogers or Fido branded store3
  • chatr™ autopay
  • Texture™ gift subscriptions
  • Purchases from The Shopping Channel™
  • Toronto Blue Jays™ single game tickets
  • Toronto Blue Jays Flex Packs and Seasons Tickets
  • Toronto Blue Jays merchandise when purchased from the Jays Shop™ or online at jaysshop.ca
  • Concessions purchases at Rogers Centre™

Remember, redemptions start at $20.

 

[uglyducking]

每月花费2000刀以上的用2%年费89的MBNA: not cash back, not good, reward point can be used only in MBNA

you can choose to cash back the reward points

 

[happy_time]

you can choose to cash back the reward points

great, next time , change to MBNA 2% card. compare with my card (BMO), pay $30 less, and earn 0.5% more.

 

[uglyducking]

great, next time , change to MBNA 2% card. compare with my card (BMO), pay $30 less, and earn 0.5% more.

Cash Redemption. The procedure for redeeming Points for cash is as follows: I. A minimum of 5,000 Points is required to redeem for cash. Redemptions for a cash reward (“Cash Reward”) can be made using Points (as such term is defined in these Terms and Conditions) only. II. Redemptions for a Cash Reward can be made at a rate of 1% (Example 5,000 Points = $50.00) III. Redemption of Points pursuant to the Credit Card Rewards Program (for a Cash Reward or otherwise) will not result in a corresponding reduction to your minimum payment due in the month that the Points are redeemed. Rather, the value of any Cash Reward obtained on redemption of Points will be applied as a credit toward your new balance on your Rewards Credit Card Account at the time of redemption.
https://www.mbna.ca/document/PDF/MBNARewardsWorldElite_TandC.pdf

 

[bestottawa]

现在在用Rogers 的credit card很划算，cash back直接返现到每个月账单里。外币4%，相当于扣除2.5% foreign exchange，还有1.5%cash back。其余所有消费都是1.75%cash back。绝对不亏！在Costco完全可以用这个卡，因为是MasterCard

 

[bestottawa]

Costco 的platinum只有加油和吃饭时候用，去年光这个卡 就cash back$600多

 

[uglyducking]

Costco 的platinum只有加油和吃饭时候用，去年光这个卡 就cash back$600多

加油你是加不到三万刀的，看来你是吃了两万刀的馆子土豪友乎？

 

[bestottawa]

Scotibank那个Momentum本身不错，但得根据个人情况计算是否能赚回$99的年费。

 

[bestottawa]

加油你是加不到三万刀的，看来你是吃了两万刀的馆子土豪友乎？

我也是最近才换到Rogers里面的，去年Costco消费还是用Capital one的卡，又买电器又买家具的..不过在外面吃饭时比较多，但没那么多.[emoji1]

 

[飘在加国]

很多信用卡有延保，车险，除非这张卡延保超过一年，车险还能保对方和第三方。

Rental Vehicle Collision Damage Waiver Benefits

Coverage while occupying an eligible rental vehicle
$200,000

Extended Warranty Benefits**
Doubles the written warranties for up to one additional year on most new purchases made with your MBNA credit card
One Year
更多https://www.mbna.ca/credit-cards/card-benefits/ under World/World Elite Card

claim 过 extended warranty 吗?

没有，只用过price protection和rental insurance

 

[jjcokecoke]

Capital one 曾经有张黑卡蛮好的，可惜停了。。。

 

[小镇人家]

干贴啊！原来觉得用个TD infinite Visa和Costco Capital One 就能对付了 这么一看 省钱能人真多 自愧不如

 

[Teddy]

不是省钱，是在赚钱

干贴啊！原来觉得用个TD infinite Visa和Costco Capital One 就能对付了 这么一看 省钱能人真多 自愧不如

 

[吉普赛人]

PC卡 安省加油9分回扣？

对不起 我在曼省。
唉 在曼省都要跟人说声对不起